Rekeningstand

Rekeningstand, often translated as account balance, is the current amount of money available in a bank account as recorded by the financial institution. It appears on bank statements, online banking portals, and mobile banking apps, and can be shown as either the ledger balance or the available balance.

The rekeningstand is determined by all transactions that have been posted to the account up to a given moment. This includes deposits, withdrawals, card payments, transfers, and any fees or interest credited or debited by the bank. Some balances also consider pending transactions or holds, which can temporarily reduce the amount that is immediately available for use. In many systems, the ledger balance reflects the total recorded balance, while the available balance shows funds that are actually accessible, after accounting for holds or pending items.

Users rely on rekeningstand to manage finances, reconcile personal records, and detect unauthorized activity. It is commonly checked through online banking, mobile apps, and monthly statements. Differences in terminology or posting rules can lead to slight variations between a bank’s balance and a user’s own records, especially around pending transactions and international transfers.

Security considerations include protecting access credentials and devices, regularly verifying balances against receipts and records, and reporting discrepancies promptly. The concept and presentation of rekeningstand can vary by country and bank, but it generally serves as the central indicator of how much money is currently in an account.